Creatively tailoring pension plans to fit our clients, not clients to fit “our” plans.

Because we work on all types of qualified retirement plans, we are able to thoroughly review a prospective client’s options. We listen to your needs and long-term desires for your financial future, and tailor our proposals by recommending the best options for achieving those goals in a clear, understandable format.

Clients experience personal interaction with a designated consultant who believes that better administration is the result of building a strong working relationship.

We maintain state-of-the-art computer systems and use the latest software to provide innovative planning and accurate administration. Your plan specifications are always at our fingertips should you call with a question.

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Plan Types

Profit Sharing Plans
401(k) Employee Savings Plans
Money Purchase Pension Plans
Cross Tested Plans
Defined Contributions Plans
Defined Benefit Plans
Cash Balance Pension Plans

Plan Services

Selecting the right Pension Plan is only part of the process.

We will assist you in meeting all of the complex requirements and regulations required for setting up and maintaining a qualified plan. As your Defined Benefit and Defined Contribution Expert, American Pension Consultants can easily administer combo plans, allowing employers to provide greater benefits for themselves and their employees under two different but correlated programs.

New Plan Design

Analyze employee census and financial data
Create optimal plan design based on plan sponsor’s retirement objectives

Plan Review and/or Independent Review of Existing Plans

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Implementation

Employee meetings with question/answer sessions
Employee advocacy

Annual Administration

Reconcile employee census and trust fund information
Monitor contributions and calculate applicable limits
Prepare annual reporting forms:
- Form 5500 series
- Pension Benefit Guaranty Corporation
- Premium Filings, if applicable
Prepare Actuarial Valuation Report
Prepare Participant Benefit Statements
Prepare Summary Annual Report/Annual Funding Notice

Plan Distribution

Calculate vesting and draft distribution package
Process distribution in accordance with participant’s instructions
If applicable, calculate tax obligation and submit to IRS

Plan Terminations

Calculate plan benefits and draft distribution paperwork
Prepare Internal Revenue Service and, if applicable, Pension Benefit Guaranty Corporation forms for termination submission
Correspond directly with Internal Revenue Service throughout the termination process

Plan Compliance

Avoid penalties and costly mistakes!

For over thirty years, we have prided ourselves on maintaining tax-qualified status for all our plans. Our extensive administration process ensures that your plan meets all federal regulations governing qualified retirement plans. Our services help you avoid the costly penalties associated with plan disqualification.